Smart planning is the use of interactive technology that allows both advisor and client to accumulate, track, test and measure the effectiveness of your cumulative assets to your current and future needs, wants and desires. This type of planning is interactive, meaning we allow you access to various programs where you input and control the data. We work with you to set up your SMART plan and with our 30 years of financial planning experience, we help you with the planning options. Access is then available to go online and review your plans, make changes in the assumptions, which are automatically updated with current daily values, to see how markets are affecting your plans. Our Investment Philosophy Have a Question Name Email Phone Question Thank you! Oops! Contact Us Planning Fee Structure Michael P. Black, CFP®, and CDFA® Professional, is an Investment Advisor Representative of Investment Advisors, a Registered Investment Advisor and a division of ProEquities, Inc.. Securities offered through ProEquities, Inc., a Registered Broker-Dealer, Member, FINRA & SIPC. ProEquities` home office is located at 2801 Highway 280 S. Birmingham, AL 35223 (800) 288-3035. Michael Phillips Black is independent of ProEquities, Inc.